Purchase Originations
182
Median Total Costs
$7,178
+7.5% vs national ($6,680)
↓ $1,308 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 1.000% vs prior year
Median Origination
$4,064
Median Lender Credits
$104
Denial Rate
9.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 182 | 6.500% | $7,178 | $4,064 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 51 | 6.375% | $8,313 | #204 |
| North Carolina | 51 | 6.500% | $6,944 | #201 |
| South Carolina | 32 | 6.500% | $7,100 | — |
| Florida | 17 | 7.000% | $7,036 | — |
| Kentucky | 12 | 6.625% | $5,312 | — |
| Virginia | 10 | 6.688% | $4,368 | — |
| Texas | 7 | 6.875% | $9,026 | — |
| New York | 1 | 6.750% | $4,080 | — |
| West Virginia | 1 | 7.000% | $4,022 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,704 | 6.625% | — | 2 | −$2,474 | |
| 2 | $5,161 | 6.500% | — | 3 | −$2,017 | |
| 3 | $5,388 | 6.125% | — | 3 | −$1,790 | |
| 4 | $5,873 | 6.562% | — | 2 | −$1,305 | |
| 5 | $5,898 | 6.688% | — | 2 | −$1,280 | |
| 6 | $6,282 | 6.375% | — | 3 | −$896 | |
| 7 | $6,372 | 6.500% | — | 5 | −$806 | |
| 8 | $6,512 | 6.438% | — | 6 | −$666 | |
| 9 | $6,533 | 6.250% | — | 4 | −$645 | |
| 10 | $6,559 | 6.438% | — | 4 | −$619 | |
| 11 | $6,883 | 6.562% | — | 4 | −$295 | |
| 12 | $6,944 | 6.750% | — | 5 | −$234 | |
| 13 | $7,200 | 6.875% | — | 3 | +$22 | |
| 14 | $7,570 | 6.250% | — | 3 | +$392 | |
| 15 | $8,079 | 6.625% | — | 3 | +$901 | |
| 16 | $8,097 | 6.500% | — | 3 | +$919 | |
| 17 | $8,253 | 6.750% | — | 8 | +$1,075 | |
| 18 | $8,342 | 6.375% | — | 10 | +$1,164 | |
| 19 | $8,712 | 6.500% | — | 5 | +$1,534 | |
| 20 | $9,222 | 6.438% | — | 2 | +$2,044 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | AgFirst Farm Credit Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $7,178 | $7,127 | +$51 (+0.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.